Credit Risk Analyst - SBA

Brief Overview of Position

The Credit Risk Analyst - SBA role is positioned within Credit Administration and reports to the Credit Officer. This role brings experience in core tasks dedicated to the underwriting function, which is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.

This position will provide support for more senior colleagues in delivering best-in-class client experiences and comprehensive financial solutions to clients across a broad array of industries.

Responsibilities

To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Depending on alignment, key responsibilities may include, but are not limited to:

• Create financial statement spreads and analyze data
• Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers
• Support Portfolio Manager in credit approval process (new customers, modifications, increases, risk assessments)
• Support Portfolio Manager in portfolio reporting and analytics (grade migration, past-dues, exceptions, coming-due, etc.)
• Work with Relationship Managers, Portfolio Managers and Credit Officers to assess credit opportunities, identify key risks, and structure alternatives
• Assist in the preparation of credit packages
• Initiate background checks/credit reports
• Coordinate internal discussions
• Assist in exception tracking, clearing & reporting
• Conduct research on borrowers and industries
• Special projects as needed

Qualifications

• Minimum 2 years of commercial underwriting experience
• Bachelor’s degree in Finance, Accounting, Real Estate, Commercial Banking, or equivalent/relevant program
• Interest in a long-term career in Banking Passion for financial services and delivering superior client experiences.
• Extraordinary levels of motivation and initiative
• Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
• Exceptional writing, interpersonal and communication skills
• Strong Microsoft Office skills including Outlook, Excel, and PowerPoint to produce reports, memos, and presentations
• Proven leadership skills and community involvement  

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.